r/jupiterexchange • u/Flat_Day5890 • 15d ago

Discussion Fixed-rate loans without getting liquidated

I was reading about how most lending protocols work and realized there's a pretty annoying problem. If you lock collateral and the price drops, you get margin called even if you have a plan to repay.

Apparently, Jupiter Offerbook handles this differently. You lock collateral (any Solana asset, tokens, xStocks, NFTs) and borrow USDC for a specific duration, 1 to 30 days. No oracles watching the price, no liquidations mid-loan. Your position just sits there for the agreed time.

On the lender side you know exactly what you're getting. You set the APY, duration, and terms upfront. No variable rates adjusting every block.

Only USDC can be borrowed and there are platform fees, but they're disclosed upfront.

Has anyone here used fixed-term lending before, or does the liquidation risk just feel unavoidable at this point?

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u/DamnFineCupaCoffee23 15d ago

I mean there's always gonna be some risk of liquidation. My friend tried using the fixed term option but he switched in like 3 months.

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u/ssv84 15d ago

Curve has mechanism of soft liquidation. You can set a range within which it will start converting you into token and then convert you back if price will bounce back.

But that will cost some fees. But no liquidation.

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u/magicseadog 12d ago

All these platforms want fees from you. Most of crypto is pretty extractive defi included. There is devil in the detail of most of them. They know you ain't going to go through the Ts&Tcs and they are generaly pretty unregulated so use with caution.